Home Bancorp, Inc. (HBCP) vs Orange County Bancorp, Inc. (OBT)

Home Bancorp, Inc. and Orange County Bancorp, Inc. are both Banks Regional companies. Home Bancorp, Inc. and Orange County Bancorp, Inc. are of similar size ($533.0M and $501.2M). Orange County Bancorp, Inc. trades at the lower P/E: 10.7× against 11.2×. Orange County Bancorp, Inc. grew revenue faster over the last twelve months: 3.32% against 2.06%. Orange County Bancorp, Inc. has the higher net margin (30.8% vs 22.2%) and the higher return on invested capital (523.6% vs 11.5%). Both pay a dividend; Home Bancorp, Inc. yields more (2.75% vs 1.79%). Across the 20 metrics below, Orange County Bancorp, Inc. leads on 16 and Home Bancorp, Inc. on 4.

Valuation

Metric HBCP OBT Banks Regional median
P/E 11.20 10.65 12.15
P/S 2.50 3.29 2.37
P/B 1.16 1.65 1.21
Price to free cash flow 10.20 7.83 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.86 1.34 2.27
Earnings yield 8.93% 9.39% 8.11%
Free cash flow yield 9.80% 12.78% 8.98%

Profitability

Metric HBCP OBT Banks Regional median
Gross margin 73.15% 82.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.23% 30.80% 18.66%
Free cash flow margin 24.48% 42.03% 21.18%
Return on equity 10.84% 16.95% 10.64%
Return on assets 1.32% 1.75% 1.13%
Return on invested capital 11.49% 523.60% 8.33%

Growth

Metric HBCP OBT Banks Regional median
Revenue growth (TTM) 2.06% 3.32% 6.61%
EPS growth (last fiscal year) 28.73% 34.82% —
Revenue growth, 5-year CAGR 12.05% 19.50% 12.30%
Net income growth, 5-year CAGR 13.21% 28.93% 9.71%

Health

Metric HBCP OBT Banks Regional median
Debt to equity 0.12 0.11 0.22
Current ratio 0.97 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBCP OBT Banks Regional median
Dividend yield 2.75% 1.79% 3.75%
Payout ratio 0.19 0.17 0.27

Size

Metric HBCP OBT Banks Regional median
Market cap 533.01m 501.19m 921.07m

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